Home Insurance in Matamoras, Pennsylvania
With a median home value of $245,700, Matamoras is 10% lower than the Pike County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Matamoras was built around 1952. About 65% of homes were built before 1960, about 50 points above Pike County's 15%.
The housing stock in Matamoras is 76% single-family homes and 8% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Matamoras, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Matamoras has an owner-occupancy rate of 70% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
78% of homes in Matamoras are primarily heated with natural gas.
Pike County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Pike County had 187 active NFIP flood policies as of September 2026. See the full Pike County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $245,700 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Pike County | 187 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)